Business Gold Credit Card

• A credit limit of 1000-32 000 €.
• There is an interest-free period of up to 40 days (from the purchase until the payment date) when paying by card. Interest is calculated from the moment you make a credit transfer or withdraw cash from your credit card account.
• It is important for shopping online to be convenient and secure. In order to pay with the card online you must activate Secure Internet Shopping.

Activate Secure Internet Shopping

• Several cards can be ordered and linked to a single account and credit limit is used by these employees.
• Individual usage limits and rights can be set and modified via Mobile Bank (Android only) or in the branch for each cardholder.
• By adjusting the user rights settings, you can allow or disable various card transactions like payments, withdrawals, deposits, contactless functionality and account statement or balance requests.
• User rights and limits can be amended in mobile bank with Smart ID or Mobile ID by the company’s legal representative who has the sole right of representation according to the commercial register.

• The credit card includes an extensive travel insurance package, which applies to the card holder as well as 3 colleagues travelling with him/her across the whole world.
• The sums insured apply for all insurance cases, regardless of how many times they occur during the trip.
• The travel insurance is provided by Swedbank P&C Insurance AS.
• The Priority Pass Membership Card offers you an opportunity to escape the airport noise and pass time in comfortable VIP lounges between your flights.

Insurance product information document for credit cards

Read more about the insurance terms and conditions

Read more about Priority Pass

• Card purchases have an interest free period of up to 40 days. Calculation will start from the time of purchase until the 1st date of the following month. Interest is calculated from the moment you make a credit transfer or withdraw cash from your credit card account.
• Any credit limit spent and not repaid by the 10th date is automatically transferred from the current account linked to the credit card. Interest starts to accrue if the current account lacks funds for automatic repayment of the whole amount used.
• If a mandatory regular payment (5% of the credit limit) is set forth in the agreement, it will be transferred from the current account and interest will accrue on the outstanding credit limit.
• Optionally, you can pay additional own funds into the credit card account to increase the limit available on the card, or repay the outstanding limit at any time.
• In order to obtain complete information about the transactions, one must take account of the statuses assigned to each type of transaction. Details of all transactions already debited are available in the credit card’s account statement, whereas purchases that have the interest-free period are in the list of the same account’s reservations.

• If you suspect you have lost your card, you can temporarily disable it through our mobile app (Android only). You have 10 days to reopen your card if you should find it or it will be automatically closed.
• If a bank card is stolen, it must be closed immediately. You could do it by calling our business client consultation center on 6 132 222.
• If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour Visa help centre +1 410 581 9994.

In case of a new credit card, the PIN is issued in a separate envelope when you collect it at branch.

Renewed cards will have their former PIN.

If you would like to secure PIN then you can change it in Swedbank ATMs in Estonia.

In security reasons it is allowed to insert PIN wrongly only 2 times. After 3rd time PIN will be automatically blocked:

• If you block your PIN in POS then you can unblock it in ATM by inserting the correct one in first time.
• If you block your PIN in ATM or can’t remember the PIN, you need to order the new card.

You can dispute a card transaction sending the bank message, call to consultation center 6 132 222 or turn to nearest branch if:

• you discover that your account statement includes transactions for which you did not aware of or not reach an agreement with the merchant or service provider;
• an ATM fails to make a deposit or a withdrawal. For instance, in cases when an ATM does not issue cash upon withdrawal, but the sum is debited from the account or when a deposit is not added to your account.